User Guide

Type of Card

Licaitong (One-in-All Card and SASB Card)

Card Number

1.      First figure: 9 (Non-IC card, social security card or medicare card)

2.      First figure: 6, with On-in-All in the lower right corner on the back of the card.

3.      First figure: 6 with SASB in the lower right corner on the back of the card.

4.      First figure: 1

5.      Cards with 6 as the first figure of the card No. are standard UnionPay cards. If you hold a card with 1 or 9 as the first figure, please change to the card with 6 as the first figure of the card No. at the account-opening bank

Password Setting and Usage

1.      This card has three passwords, one for the card itself, one for no-card transaction (namely, passbook password) and one for telephone banking inquiry. These passwords can be set separately and the password for the card itself has to be in 6 figures.

2.      This card has three passwords, one for the card itself, one for passbook and one for telephone banking inquiry. These passwords can be set separately and the password for the card itself has to be in 6 figures.

Card Password

1.      Setting requirement: This password is required. Without this password, deposit service is available only at the counter, and not available on ATM.

2.      Setting Method

(1)     When a password envelop is supplied with the card, the original password in the envelop can be used directly.

(2)     When the card is issued without a password envelop, this password can be set directly at the counter. In case no password is set when the card is activated, the card holder shall visit the counter with his/her valid ID card which is produced when he/she opens the account and set the password at the counter.

(3)     In case the card holder needs to reset the card password at the counter, he/she has to bring the valid ID card that he/she used for the activation of the account.

3.      Transactions that can be made with the password:

(1)     Cash withdrawal at CGB counter;

(2)     Cash deposit, withdrawal and transfer on ATM/CRS terminals;

(3)     Payment for purchase on POS terminals;

(4)     Electronic payment on online UnionPay platform. Important: This transaction is the same as POS payment in theory except that the client does not have to swipe the card. With the card number and password, the client can effect payment without handling any specific formalities in CGB office.

Tips for Major Risk: The method of such transaction is similar with the method of consumption by swiping card, but the card has not been swiped actually. Therefore, one may conduct payment just by knowing the card number and password other than conducting specific procedures at the counter of our bank.

(5)     Password reset on self-service terminals and online inquiry and transfer on UnionPay platform (Use card password for One-in-All Card and passbook password for SASB Card).

(6)     Log in your personal online banking of our bank by entering this password and corresponding card number, and manage or enquire your account through online banking system. In addition, you may open the function of online shopping to trade by online payment.

No-card Transaction Password (Passbook Password)

1.      Setting requirement: For One-in-All card, this password can be left blank, in which case, related services will not be available. For SASB card, this password is necessary.

2.      Setting Method:

(1)     Set the password when opening the account.

(2)     For One-in-All card, if the account is opened by a proxy, and with the card password already set, the cardholder will have to visit the banking office in person to set the password by producing the Licaitong Card and his/her identity document used in opening the account.

(3)     In order to reset the password, the cardholder has to visit the banking office in person and produce the card and his/her identity document used in opening the account.

3.      No-card transaction password is good for the following transactions:

(1)     If the client has a passbook for the Licaitong Card, he/she can use the passbook and this password to withdraw cash at a CGB counter.

(2)     If you just open a passbook without card, you may use this password and corresponding account number of passbook to log in your personal online banking directly for management and inquiry of this passbook. In addition, you may open the function of online shopping to trade by online payment.

Telephone Banking Inquiry Password

1.      Setting Requirement: Required

2.      Setting Method:

The telephone banking password is automatically set in the following way:

(1)     When the ID number is in 15 digits, the last 6 digits will be the initial password.

(2)     When the ID number is in 18 digits, remove the last digit and the last 6 digits in what remains of the ID number will be the initial password.

(3)     For Licaitong Card opened with other identity document, the initial password is “222222”. For any modification of password, you may modify it in the system of telephone banking directly; for any loss reporting and reset of this password, you may process it with your valid ID certificate and your card to the account opening bank in person.

3.      With telephone banking inquiry password, anyone can effect the following transactions: conduct account information inquiry, oral loss report, card reward points inquiry, wealth management service and card number inquiry password reset in CGB telephone banking system.

Tips of Comprehensive Risk

1.      The cardholder shall properly keep his/her account information (card No., account password, online banking password) and personal information (ID Card No., etc.), and watch against disclosure of such information.

2.      If the cardholder suspects that his/her account or personal information is disclosed, check his/her account without delay and reset all passwords. In case of necessity, report loss or cancel the Licaitong Card once for all.

3.      When logging on online banking system or using online banking for transactions, the cardholder is recommended to use the screen keyboard to enter passwords.

4.      The cardholder is recommended not to use the same set of digits for all passwords and not to use his/her birthday, repeated digits, sequential digits or any other guessable figures for passwords.

5.      The cardholder is recommended not to use Internet in public places for online transactions and, when entering password, watch against any nearby observers.

ATM Withdrawal Instructions

1.      In accordance with the stipulations of the People’s Bank of China, the daily ATM withdrawal limit for each card is RMB 20,000. In CGB, the rules are as follows:

(1)     The number of ATM (of CGB or any other banks) withdrawal transactions for CGB Licaitong Card is limited to ten times a day and the daily withdrawal quota is RMB 20,000.

(2)     Definition of “Day”: From around 23:00 today to around 23:00 next day.

(3)     The withdrawal limit for each transaction is RMB 2,000–3,000. By 10 transactions, the client can withdraw up to RMB 20,000.

2.      The cardholder can transfer fund within and without CGB on any ATM with this function.

(1)     To effect CGB card transfer on ATM, the client has to sign an agreement on the transfer account number with the banking office where the card is opened.

(2)     For inter-bank transfer transactions, the ATM shall have the inter-bank transfer function activated and the target bank card shall support this function. CGB Licaitong Card can be used for fund transfer on any ATM with inter-bank transfer function activated.

(3)     For CGB Licaitong Card, the daily inter-bank transfer limit on CGB ATM is RMB 5,000.

Attention: ATM operation is time limited. If no operation is detected for 30 seconds after the card is properly inserted, the ATM will retain the CGB card, and in case of card issued by other banks, the ATM will, as per the instructions from the issuing bank, reject or swallow the card. When the cash slot opens, collect the cash within 15 seconds. Otherwise, the ATM will retain the cash for the client.

Personal Online Banking

CGB will offer you convenient and safe 7*24 personal online banking service with high efficience and strong functions for account management, transfer and remittance, online payment, and online financing management. You may use your account number of our bank to log in your personal online banking directly without registration, and enjoy the convenience and excellence brought by information technology and modern financial service. In addition, the service charge is high cost effective.